The Citizens State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 4.89 percentage points in Q2 2026, from 71.45% to 76.34%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Citizens State Bank is 89th of 182 on loan-to-deposit ratio, 76.34% as of Q2 2026, above the middle of the field. The Citizens State Bank reported 76.34% on loan-to-deposit ratio for Q2 2026, 4.50 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $224.8M |
| Net loans and leases | $221.9M |
| Loans held for sale | $0 |
| Loans to total assets | 66.88% |
| Loan-to-deposit ratio | 76.34% |
| Net loans to equity capital | 5.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.59% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 13.45% |
| Consumer | 3.12% |
| Credit cards | 0.00% |
| Farm | 23.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.96% |
| Construction concentration (Tier 1 capital + allowance) | 9.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.08% |
| Interest income on loans | $3.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $157.8M | $271.0M | 7.37% | 13.42% | 4.81% |
| Q4 2023 | $163.7M | $286.9M | 6.94% | 12.92% | 4.58% |
| Q1 2024 | $175.3M | $282.9M | 6.94% | 12.52% | 4.29% |
| Q2 2024 | $189.9M | $276.6M | 6.56% | 14.23% | 3.80% |
| Q3 2024 | $177.6M | $277.6M | 6.85% | 14.55% | 3.93% |
| Q4 2024 | $187.8M | $283.0M | 6.90% | 13.55% | 3.72% |
| Q1 2025 | $202.0M | $276.2M | 6.54% | 12.87% | 3.52% |
| Q2 2025 | $212.5M | $281.0M | 6.18% | 13.12% | 3.24% |
| Q3 2025 | $191.4M | $282.7M | 3.88% | 14.64% | 3.76% |
| Q4 2025 | $195.8M | $295.7M | 3.87% | 14.36% | 3.69% |
| Q1 2026 | $211.3M | $295.8M | 3.60% | 13.70% | 3.34% |
| Q2 2026 | $224.8M | $294.5M | 3.59% | 13.45% | 3.12% |
The Citizens State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15111) · FFIEC NIC profile (RSSD 858854)